Base Segment ErrorsWarning

    B009Balance Exceeds Credit Limit

    The current balance is greater than the credit limit/high credit

    Affected Field
    #19/20Current Balance / Credit Limit

    Description

    While accounts can temporarily exceed credit limits, a significantly higher balance than the limit may indicate a data error. Credit bureaus may flag accounts where the balance is more than 150% of the credit limit for review. This is typically a warning rather than a rejection.

    Common Causes

    • Fees and interest pushing balance over limit
    • Credit limit not updated after change
    • Incorrect field mapping
    • Transposed numbers

    How to Fix

    1. 1Verify both balance and limit are correctly reported
    2. 2Update credit limit to reflect current value
    3. 3Document reason if over-limit is legitimate

    More Base Segment Errors

    B001
    Missing Account Number
    B002
    Invalid Account Status
    B003
    Status and Payment Rating Mismatch
    B004
    Invalid ECOA Code
    B005
    Missing SSN or Date of Birth
    B006
    Invalid Date Format

    Catch Errors Before Submission

    Metro2 software validates every field and catches errors like B009 before you submit to the credit bureaus.

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